You are viewing fixed rate ira rates across New Jersey

New Jersey IRA CD Rates

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

NJ - May 30, 2016

BANKS APY Term MIN MILES ?
Highlands State Bank 2.07% 57 $1,000 -
Branch Banking and Trust Company 2.00% 58 $500 -
BCB Community Bank 2.00% 42 $500 -
Gibraltar Bank 1.90% 58 $2,500 -
Firstrust Savings Bank 1.75% 59 $2,500 -
Northfield Bank 1.75% 60 $250 -
NVE Bank 1.75% 55 $1,000 -
Boiling Springs Savings Bank 1.75% 36 $1,000 -
Branch Banking and Trust Company 1.65% 46 $500 -
Gibraltar Bank 1.50% 46 $2,500 -
Banco Popular North America 1.50% 48 $500 -
Cornerstone Bank 1.50% 60 $500 -
Liberty Bell Bank 1.45% 36 $500 -
Branch Banking and Trust Company 1.40% 34 $500 -
Firstrust Savings Bank 1.40% 60 $1,000 -
Gibraltar Bank 1.40% 40 $2,500 -
Highlands State Bank 1.36% 20 $1,000 -
Lakeland Bank 1.35% 35 $500 -
Boiling Springs Savings Bank 1.35% 24 $1,000 -
Metuchen Savings Bank 1.31% 48 $500 -
The Berkshire Bank 1.30% 36 $10,000 -
First Hope Bank, A National Banking Association 1.25% 26 $500 -
The Berkshire Bank 1.25% 24 $10,000 -
Northfield Bank 1.25% 36 $250 -
Unity Bank 1.25% 45 $1,000 -
New Millennium Bank 1.25% - $500 -
NVE Bank 1.20% 72 $1,000 -
Crown Bank 1.20% 20 $1,000 -
Highlands State Bank 1.16% 14 $1,000 -
Lakeland Bank 1.15% 23 $500 -
The Berkshire Bank 1.15% 18 $10,000 -
Northfield Bank 1.15% 18 $250 -
Oritani Bank 1.15% 16 $1,000 -
Manufacturers and Traders Trust Company 1.11% - $1,000 -
Columbia Bank 1.10% 20 $500 -
Fox Chase Bank 1.10% 30 $500 -
Gibraltar Bank 1.10% 25 $2,500 -
Cornerstone Bank 1.06% 23 $500 -
Firstrust Savings Bank 1.05% 23 $2,500 -
New Jersey Community Bank 1.05% - $1,000 -
New York Community Bank 1.01% 18 $2,500 -
Fulton Bank of New Jersey 1.01% 36 $500 -
The First National Bank of Absecon 1.00% 84 $1,000 -
Branch Banking and Trust Company 1.00% 21 $500 -
Lakeland Bank 1.00% 13 $500 -
Brunswick Bank and Trust Company 1.00% - $250 -
Somerset Savings Bank, SLA 1.00% 18 $500 -
Oritani Bank 1.00% 9 $1,000 -
Manasquan Savings Bank 1.00% - $500 -
Banco Popular North America 1.00% 19 $500 -
1st Colonial Community Bank 1.00% - $500 -
ConnectOne Bank 1.00% 10 $500 -
First Bank 1.00% - $500 -
Grand Bank, National Association 0.96% - $1,000 -
Gibraltar Bank 0.95% 15 $2,500 -
Delanco Federal Savings Bank 0.90% 28 $1,000 -
Oritani Bank 0.90% 5 $1,000 -
TrustCo Bank 0.90% 13 $500 -
Royal Bank America 0.85% - $1,000 -
Firstrust Savings Bank 0.85% 14 $2,500 -
Bogota Savings Bank 0.85% - $1,000 -
Harvest Community Bank 0.85% - $500 -
Cornerstone Bank 0.85% 13 $500 -
ConnectOne Bank 0.85% - $500 -
BBCN Bank 0.80% - $5,000 -
Banco Popular North America 0.80% 11 $500 -
Grand Bank, National Association 0.80% 12 $1,000 -
First Choice Bank 0.80% - $1,000 -
Armed Forces Bank, National Association 0.75% - $500 -
The First National Bank of Absecon 0.75% 60 $1,000 -
Branch Banking and Trust Company 0.75% 13 $500 -
Wilshire Bank 0.75% - $1 -
Sun National Bank 0.75% - $500 -
Northfield Bank 0.75% 7 $250 -
Columbia Bank 0.75% - $500 -
Boiling Springs Savings Bank 0.75% 12 $1,000 -
Cornerstone Bank 0.75% 7 $500 -
Grand Bank, National Association 0.75% 6 $100,000 -
Amboy Bank 0.70% - $1,000 -
New York Community Bank 0.70% 7 $2,500 -
BNB Hana Bank, National Association 0.70% - $500 -
CTBC Bank Corp. (USA) 0.65% - $100 -
Firstrust Savings Bank 0.65% 35 $1,000 -
Haddon Savings Bank 0.65% - $500 -
Delanco Federal Savings Bank 0.65% 18 $1,000 -
Indus American Bank 0.65% - $2,000 -
Valley National Bank 0.60% - $250 -
Hanmi Bank 0.60% - $1,000 -
Ponce De Leon Federal Bank 0.60% - $1,000 -
Customers Bank 0.60% - $500 -
Parke Bank 0.60% - $500 -
Delanco Federal Savings Bank 0.55% 13 $1,000 -
Liberty Bell Bank 0.55% - $500 -
Alma Bank 0.55% - $2,500 -
The Bank of Princeton 0.55% - $500 -
Wells Fargo Bank, National Association 0.50% 58 $2,500 -
The First National Bank of Absecon 0.50% 48 $1,000 -
Beneficial Bank 0.50% - $500 -
Cathay Bank 0.50% - $100 -
Republic Bank 0.50% - $500 -
The Berkshire Bank 0.50% - $1,000 -
1st Constitution Bank 0.50% - $1,000 -
Audubon Savings Bank 0.50% - $1,000 -
Oritani Bank 0.50% - $1,000 -
Boiling Springs Savings Bank 0.50% - $1,000 -
Spencer Savings Bank, SLA 0.50% - $500 -
Freehold Savings Bank 0.50% - $500 -
Crown Bank 0.50% - $1,000 -
AMG National Trust Bank 0.50% - $1,000 -
Highlands State Bank 0.50% - $1,000 -
Kearny Bank 0.45% - $500 -
BCB Community Bank 0.45% - $250 -
The First National Bank of Absecon 0.40% 36 $1,000 -
New York Community Bank 0.40% - $500 -
Delanco Federal Savings Bank 0.40% - $1,000 -
Monroe Savings Bank 0.40% - $500 -
Magyar Bank 0.40% - $100 -
Unity Bank 0.40% - $500 -
Capital Bank of New Jersey 0.40% - $500 -
Branch Banking and Trust Company 0.35% - $500 -
Metuchen Savings Bank 0.35% - $500 -
Ocean City Home Bank 0.35% - $500 -
Wells Fargo Bank, National Association 0.30% 39 $2,500 -
The First National Bank of Elmer 0.30% - $100 -
Newfield National Bank 0.30% - $500 -
Fulton Bank of New Jersey 0.30% - $500 -
OceanFirst Bank 0.30% - $1,000 -
NVE Bank 0.30% - $500 -
Millville Savings and Loan Association 0.30% - $1,000 -
Franklin Bank 0.30% - $1,000 -
Century Savings Bank 0.30% - $500 -
First Hope Bank, A National Banking Association 0.25% 7 $500 -
TD Bank, National Association 0.25% - $250 -
City National Bank of New Jersey 0.25% - $500 -
SussexBank 0.25% - $1,000 -
Firstrust Savings Bank 0.25% 9 $1,000 -
Investors Bank 0.25% - $500 -
First Hope Bank, A National Banking Association 0.22% - $500 -
Lakeland Bank 0.22% 9 $500 -
Wells Fargo Bank, National Association 0.20% 26 $2,500 -
Branch Banking and Trust Company 0.20% - $500 -
Northfield Bank 0.20% - $2,500 -
Fox Chase Bank 0.20% - $500 -
Lakeland Bank 0.17% - $500 -
Wells Fargo Bank, National Association 0.16% 24 $1 -
Capital One, National Association 0.15% - $1,000 -
PNC Bank, National Association 0.15% - $1,000 -
The First National Bank of Absecon 0.15% - $1,000 -
The Pennsville National Bank 0.15% - $500 -
Banco Popular North America 0.15% - $1 -
Cornerstone Bank 0.15% - $500 -
Wells Fargo Bank, National Association 0.10% 9 $2,500 -
Firstrust Savings Bank 0.10% - $1,000 -
Northfield Bank 0.10% 8 $250 -
Somerset Savings Bank, SLA 0.10% - $500 -
Santander Bank, N.A. 0.10% - $500 -
Bank of America, National Association 0.07% 12 $2,000 -
Bank of America, National Association 0.05% - $1 -
Wells Fargo Bank, National Association 0.05% - $1 -
TrustCo Bank 0.05% - $500 -
Bank of America, National Association 0.04% 9 $2,000 -
PNC Bank, National Association 0.04% - $1 -
Citizens Bank of Pennsylvania 0.03% - $250 -
JPMorgan Chase Bank, National Association 0.01% - $1 -


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Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

 · 

Money grows in a tax-advantaged way.

 · 

Funds are FDIC insured, just like a regular CD.

 · 

Interest rates on FIRAs are often higher than the same terms for a CD.

 · 

Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

 · 

Returns may not be as high as stocks, bonds, mutual funds.

 · 

Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).

 · 

If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

  • Gary Ronan

    May 03, 2016

    Your not locked in for 5 years. You can take it out any time but you will lose interest for a specified term. My credit union which holds my Roth IRA will dun me 6 months interest but your not making much anyway.

  • Carolyn Hornyak

    January 18, 2016

    I saw in the Phoenix, Arizona an ad for Sun Cities Financial Group advertising a high yield CD special for 4.40%? Is this legitimate?

    Carolyn

  • JOHN

    January 14, 2016

    MORE USELESS INFO. NO LENGHT OF TERM LISTED. ONLY USEFULL INFO IS NAME OF INSTITUTION SO I CAN PHONE THEM.

  • Chotzey

    December 30, 2015

    To lock in @ 5 years may be risky. When watching MSNBC the other day they were saying rates are to be gradually going up. May be a gamble, but everything is.

  • Ray P

    December 30, 2015

    None of the rates shown can be found at any of the banks. The actual bank rates are almost half of what is shown here.

  • Lori Martin

    January 09, 2015

    Jack:

    ??? Looked up rates at PenFed (we're a member) and they show a 5 yr at 1.76%. The last time it was 3.0 and over (3.04) was in Dec. 2013 (for the 5 & 7 year).

  • Jack Mazer

    January 27, 2014

    Penfed offers a 60 month cd at 3 percent.

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